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Crohn’s Disease Short And Long Term Disability Insurance Claim Help



Even though Crohn’s disease causes seriously incapacitating symptoms that prevent many people from working, your disability insurance company will not make it easy to receive the disability benefits you qualify for. Most disability insurance companies don’t understand Crohn’s and think it is nothing more than a bad stomach ache. We have helped many claimants where the insurance company has told the claimant that if there is desk is close to a bathroom then they should be able to work. Obviously this is a ridiculous position. Our disability insurance attorneys can help you at any stage of the process, including the application, appeal a claim denial or filing a lawsuit in state or federal court. We know what tactics the disability insurance providers will utilize, and we know how to counter them.

Common Reasons for Denial of a Crohn’s Disease Disability Claim

Due to the chronic nature of Crohn’s disease, disability carriers will often argue that since you dealt with the condition for years, it is not a disabling condition at this time. Carriers will try to argue that medication and temporary time off can control your condition. Many carriers will try to argue that the condition is a mental nervous condition and should be limited to two years of benefits only. Another unreasonable argument.

Our firm has helped disability claimants seek their benefits since 1979. We offer a free consultation so we can go over your case and give you an assessment of your best options. We are available to assist you anywhere in the USA.

Resources

For more information about Crohn’s disease, you can visit the following resources:

National Digestive Diseases Information Clearinghouse
Healthline: About Crohn’s Disease

You can also come back to this page, which we frequently update with resolved cases regarding Crohn’s disease and any new regulations that could affect your benefits.

There are 14 opinions so far. Add your comment below.

Laura:

I watched all your videos, I think these attorneys know their stuff and do understand exactly what is happening with the exception of medicare doctors in this process and lack of funds to go to all the specialty doctors needed monthly.

I called your firm and because I get too little money each month your firm isn’t interested in the case. As well as I know everyone works for money. We the disabled have no money, the government and private companies (from employment) in combination is peanuts. But we do deserve justice too.

As you said MetLife is worth how much? And their firepower is good because they have so much money. Where does the little guy or disabled person stand in this world? We stand alone because we’re too poor to afford our rights to be upheld.

By the way, I have received LTD benefits for the past 16 years and because my doctor didn’t take proper notes, I get denied my money as the said doctor was found in violation of my HIPPA rights with the exact paperwork that was in my deial of benefits. The doctor also paid no penalty as it was his first supposed violation and the state of NY went to his office to train the staff of HIPPA rules regulation and violations. So the state agency screwed the disabled person and stepped out of their box to fix corporate America. I got my rights violated and proven to have been violated, the office got fixed, free of charge. Amazing.

Attorney Greg Dell:

Laura,

Thank you for your feedback. You should not give up your fight against MetLife. We receive hundreds of request each month to help disability insurance clients, but in order to maintain a high level of service to each client we are forced to limit our caseload. We evaluate and review every potential claim and inform a potential client as to whether or not we can help. If we cannot help, then we are often able to refer a potential client to another disability attorney that may be able to help.

Renee Henderson:

Hi! Help… I have Chrohn’s disease and Celiac disease and collagenous colitis. That has stopped my life completely. I have tried to file for unemployment compensation benefits. They are fighting me tooth and nail. What should I do?

Attorney Greg Dell:

Renee,

If you file for unemployment, then you are certifying that you are able to work. If you are seeking SSDI or disability benefits from your employer, then you should not claim unemployment. [edited as per the reply to MJ below]

MJ:

I am confused by your response to Renee. You state claiming UI is an admission of ability to work, then say if claiming SSDI or disability she ought to file UI, thus invalidating her claim of disability? Did I miss something here?

Attorney Stephen Jessup:

MJ,

I believe there may have been a typo in Greg’s response. It should read then “you should NOT claim unemployment.”

Joe Haider:

Good Evening,

I was diagnosed with Crohn’s Disease 5+ Years ago, and a year or so after I suffered from Depression, loss of appetite, interest in doing things, always worried about a flare up, having to use the restroom. I travel allot for work, and I do not mean a 2-3 hour flight, I travel to the Middle East, Europe and so on. Crohn’s has affected my daily life activities, I have hard times waking up in the morning with severe abdominal pain. I was put on medication, but after a few months my income dropped and could not afford my medication so had to stop, and it has been getting worse now, I spend more time at the ER than I do at home. Recently, a week ago, I had a flare up and I was sick all night to the point where I could not even go to work. The next day I went in to work, I had been demoted from my management position to a clerical position and my pay was dropped as well. I think there should be some justice in this system, I applied for SSI, Disability, government health care about 4 years ago, but was denied, I guess they said I was too young to go on disability, I’m 29. I don’t think age has anything to do with an illness, or how old you have to be to go on government aid. My social life is dead, this illness is getting bad, I was diagnosed with acute depression few years back as well. Any attorney who is able to assist with a case to collect disability or provide any sort of legal help to the right direction please feel free to contact me. I Live in Michigan.

Attorney Stephen Jessup:

Joe,

If you had a disability insurance policy from your employer or one your privately purchased from an agent we may be able to assist you. However, if there has been no legal action taken in four years, certain Statute of Limitations and/or other legal deadlines might prevent you from being able to bring a case.

Jim:

I was enrolled in STD and Life insurance through a group plan at work. I have been with this company since april of 2011 and believe i have been enrolled in both after a 90 day period in 2011. This year I was officially diagnosed with crohn’s. I also have a child on the way and was going to attempt to increase both my STD and Life Insurance to hopefully take care of the family if something does happen to me. Is there any reason they would deny my ability to increase the amounts of either the STD or Life Insurance policy through my group plan at work seeing as I was already enrolled prior to being diagnosed? I’m in Illinois if that makes a difference.

Thank you!

Attorney Stephen Jessup:

Jim,

You will have to review the terms/conditions and requirements in the Policy as to the increase in benefit. There might be language that would limit exercising the increase of benefits for any conditions determined to be pre-existing.

Michelle:

I was diagnosed 7 years ago with crohns.. in the beginning I seen a gastroenterologists and was given medications… but stopped seeing the doctor. The time on between I would occasionally have light flare ups.. however recently in Aug was my first big flare up. I missed several days of work and came in late and left early because of the symptoms. I went out of work in November and applied for STD.. however was denied. There reason : medical documentationschool received in relation to the requirements of my job, I did not meet the definition of disability thus no benefits are payable. I did file an appeal and sent it in.. I’m not sure what my next step should be to become eligible for benefits..?

Attorney Stephen Jessup:

Michelle,

If you have already filed your appeal you will have to allow the carrier the 45 days to render a decision. With respect to what information is needed to perfect the claim it is impossible to say without knowing details regarding medical records and job duties. That being said, you need information from your doctor that clearly supports how your condition prevents you from performing the duties of your occupation (sitting, standing, carrying, cognitive, fatigue, etc).

CSM:

I live in CA and work for a company out of state. I was recently diagnosed with UC and within two weeks my diagnosis was elevated to Crohn’s following some bloodwork, MRI, Xray, etc. For the past 6-9 months I have had the typical symptoms associated with this disease that are causing considerable pain, stress and anxiety in my life especially when I’m on the road (air travel), about 60-70 percent of the time. My symptoms are making it extremely difficult to continue with my current job requirements and I fear that I may not be able to continue this way much longer. I’m a mid-level executive earning approximately $150k-200k per year. I do have LTD insurance through work and want to know my rights and options and whether filing for benefits is the right choice. Is there a time limit for filing for LTD benefits after leaving my current employer (voluntary or involuntary)? Can I quit my job then apply for LTD coverage through my current group coverage? Please help! CSM

Attorney Stephen Jessup:

CSM, please feel free to contact our office to discuss your situation in detail. If you do not have a copy of your company STD/LTD policy I strongly suggest you obtain a copy so we can be better situated to advise you of your rights/options under same.

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